Is there anything wrong with the two I'm looking at? I'm open to any suggestions.

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Not at all, theres never going to be anything wrong with the camera's you are looking at. I was just saying that you should go elsewhere for information.

Honestly, If I were in your position I would buy a used D40 body and save some cash for lenses/flashes etc. You won't regret it, glass is much more important to put funding towards. After you get to know the D40 body you will probaly know why you want new equipment and what your needs really are.

If its simply general use you are after start out small, if you decide to expand then there will always be room.